> ## Documentation Index
> Fetch the complete documentation index at: https://docs.mangopay.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Swish

## About

Swish is a popular payment method in Sweden that allows users to scan a QR code to validate the payment in their Swish app.

<table>
  <tbody>
    <tr>
      <th class="header">Region</th>

      <td class="table-content">
        Sweden
      </td>
    </tr>

    <tr>
      <th class="header">Currencies</th>

      <td class="table-content">
        SEK
      </td>
    </tr>

    <tr>
      <th class="header">[Refunds](/guides/refunds)</th>

      <td class="table-content">
        Yes, within 13 months
      </td>
    </tr>

    <tr>
      <th class="header">[Disputes](/guides/disputes)</th>

      <td class="table-content">
        Users authenticate directly with their bank, so there is no dispute process and a low risk of unrecognized or fraudulent payments
      </td>
    </tr>

    <tr>
      <th class="header">Preauthorization</th>

      <td class="table-content">
        No
      </td>
    </tr>

    <tr>
      <th class="header">Recurring payments</th>

      <td class="table-content">
        No
      </td>
    </tr>
  </tbody>
</table>

## How it works

The <a href="/api-reference/swish/swish-payin-object">Swish pay-in</a> flow provides the following checkout experience:

<Steps>
  <Step title="User chooses payment method">
    On your app or website, the user selects Swish as the payment method
  </Step>

  <Step title="Payment initiation">
    You create the payment request by calling <a href="/api-reference/swish/create-swish-payin">POST Create a Swish PayIn</a>, specifying the `ReturnURL`.

    If the `ReturnURL` redirects to your app, rather than a website, you need to also set the `PaymentFlow` to `APP`.
  </Step>

  <Step title="Redirection">
    On a website, you redirect the user via the `RedirectURL` response value to a hosted payment page containing the QR code. Alternatively, you can integrate a PNG of the QR code into your payment page using the `QRCodeURL` value (which is Base64-encoded).

    In an app-to-app flow, you redirect the user to their Swish app via the `DeepLinkURL` response value.

    After pressing the pay button, the user uses the Swedish Mobile BankID system to validate the payment.

    <Note>
      **Note – Timeout after 3 minutes**

      The payment session lasts for 3 minutes, at which point the pay-in fails automatically if no action has been taken by the user.
    </Note>
  </Step>

  <Step title="Return">
    After payment, the user is returned on your specified `ReturnURL`:

    * To a website if `PaymentFlow` is `WEB` (default value)
    * To a mobile app if the `PaymentFlow` is `APP`
  </Step>

  <Step title="Outcome">
    The transaction is complete when the pay-in status changes from `CREATED` to `SUCCEEDED` or `FAILED`, indicating the outcome.
  </Step>
</Steps>

## Hooks

You should also set up <a href="/webhooks">hook notifications</a> for the relevant <a href="/webhooks/event-types">event types</a>:

* PAYIN\_NORMAL\_SUCCEEDED
* PAYIN\_NORMAL\_FAILED

## Related resources

<CardGroup col={2}>
  <Card title="Endpoint" href="/api-reference/swish/swish-payin-object">
    The Swish PayIn object
  </Card>

  <Card title="Testing" href="/testing/payment-methods#swish">
    Learn about testing Swish
  </Card>
</CardGroup>